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Aire’s Alternate Credit Scoring Model Targets Immigrant and Youth Challenges with US Credit

Credit scores are what businesses use to gauge how financially responsible and trustworthy a consumer is. It’s a number that has always been utterly critical to the home rental and loan application processes, especially in the wake of the financial crisis. If consumers don’t have a sufficiently high credit score (FICO), landlords and banks will likely reject them.

So, what about people who have been classified as having thin credit-files because of no past borrowing history? There are an estimated 53 million Americans without a credit score. Many of them are recen ...

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